How to Stop Your Pets From Killing Your Chances of Finding Cheap Home Insurance Quotes – It doesn’t take long for Fluffy, Fido and Bandit to become a genuine, certified part of the family. Just like your kids (and other family members that happen to end up on your doorstep) pets can do damage to your home. Unlike your kids, pets aren’t nearly as forgivable in terms of finding cheap home insurance quotes. Here’s what you can do to keep the pets you love from killing your chances of finding the cheap home insurance your budget deserves.
The first thing you have to understand is that insurance companies aren’t pet haters. They really aren’t. Most of the CEOs you’ll talk to have dogs, cats, iguanas, snakes, horses, cows, goats and/or lizards waiting back home. What they do hate is having to pay out insurance claims because homeowners didn’t take the necessary precautions to keep their pets from harming the people around them.
Anything that lives in a cage is unlikely to affect the numbers you get back when you submit a request for home insurance quotes from just about any company in the U.S., although you might get some interest if you’re running a breeding farm for poisonous snakes, spiders or other “dangerous” creature-but that’s another story. Cats without a history of attacking people won’t have much effect either, and large farm animals like horses or cows typically aren’t covered under a standard home insurance policy.
Unfortunately, it’s dogs that take the heat when insurers are targeting pets that are likely to cost them money. Recent studies show that an average 4.7 million Americans suffer dog bites each year. We’re not talking about a little love nip while horsing around with your favorite pup. Emergency rooms across the country treat an average of 1,000 patients for dog bite injuries every single day.
Since insurance companies are responsible for the medical expenses these dog bites incur, it’s easy to see why pets are near the top of the list for factors that can raise the numbers on your home insurance quotes.
What can you do about it? Before moving to a neighborhood, check out their dog laws. Small neighborhoods usually have strict rules about large breed dogs. With Dobermans, German Shepherds, Pit Bulls and Rottweilers topping the list of the most dangerous dogs in America, it’s good to know where you stand.
Build an enclosure for your dog to run in. Dogs with pent up energy are more likely to become aggressive, and people are far too fond of reaching in to pet the “nice doggie” for you to be comfortable with anything less than a solid fence. Children are the most likely victims of dog bites, and that’s almost always because they haven’t yet learned how to keep their hands to themselves.
Enroll your dog in obedience school, and fax his (or her) certificate of completion to your insurer. A well behaved, socialized dog in a fenced in enclosure will do wonders for getting you the results you want to see when you go shopping for home insurance quotes.